How to Insurance: Helping you understand insurance. Building confidence for your future.
“All your insurance, covered in one relationship”
One of the most exciting calls I can get is from a client that is now pregnant or just had a baby! (and I have several clients having babies right now!) But what questions about insurance come up when having a baby? We all want to protect the things that matter most to us - especially our children that we bring into this world. Peter D Johnsen has 3 strategies to implement in your insurance portfolio when you’re expecting a baby!
Read MoreRecently, one of my clients called me and said: “my windshield got damaged and I’m not sure what to do, can you help?” This brings up the common question that everyone should understand about their auto insurance. Question: Is Windshield Repair/Replacement Covered? Peter D Johnsen has some good news…but you must take action now!
Read MoreToday, Peter D Johnsen is talking about... A Brief History of Shopping for Insurance
In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you.
Then, around ten years ago, nearly every insurance company started offering their product online… but that created some problems…
Read MoreWe have auto insurance to avoid massive financial liability. If you’re in an accident, you want your car repaired or replaced. If you’re at fault in an accident, you want insurance to cover the bodily injury or property damage that you caused. You also don’t want your insurance premiums to go up if you are in an accident or have a claim. You have insurance to save money… right? So, don’t set yourself up for failure… and not protect your financial situation before you cause an accident.
Read MoreOur lives are so busy. We have so many details to keep track of! How do you stay organized? Insurance… is not a top priority for most people. (and I understand that!) Remembering your effective dates, premium rates, coverage limits and benefits is hard to keep track of! So what is the Easiest Way to Check on Your Insurance?
Read MoreIf someone is injured on your property and needs medical attention… only $1000 on your homeowner’s insurance is way too little! Medical bills are expensive. Going to the Emergency Room, getting surgery, getting prescription drugs and following up with physical therapy is not a little expense. It’s far more than $1,000.
Read MoreIf you have a car… you need auto insurance. We also understand the importance of being covered for financial liability in case we cause an accident… and we want our car repaired if it’s damaged. But why does auto insurance seem expensive for some and low cost for others?
Read MoreI always recommend my clients to have access to roadside assistance.
You want to be able to call a professional to help you if you:
Run out of gas
Get a flat tire
Need to jump your battery
Lock your keys in your car
However, I’ve noticed that some people are paying way too much for the same access to roadside assistance…
Read MoreSo...Why do you need Umbrella Insurance? For a rainy day of course! Ok, so enough with the bad dad jokes. So, why do you really need an Umbrella Insurance Policy? Because sometimes when it rains, it pours… and if you get in an accident and someone is killed or a lawsuit over an injury… you need the extra financial protection…
Read MoreMost people want a “low deductible”. They want $100 or even $250 deductible on their car insurance. Sometimes even $50. Here’s why I always recommend a HIGH deductible:
Read MoreWho has ever heard about cashback from insurance?!? That’s insane. In fact, I didn’t even know about this program until it happened to me personally! However, I found one and everybody loves it!
Read MoreAs a husband and father of three, I know how important it is to protect the things that matter most to you. It all starts with the health and well being of your family and then extends to the financial assets you own, like your cars and house…
Read MoreI hate call centers. Honestly, they are so frustrating! Sadly, in my line of work, I have to spend a lot of time on the phone with call centers… But you don’t have to!
Read MoreMy new clients ask me all the time if they are paying too much for their auto insurance. It’s honestly a fear for all of us because how things are rated is such a mystery to us!
Read MoreSpring is here (or coming) and it’s time to get on the road and explore the world! So here are 3 things to do before a road trip… regarding your Auto Insurance!
Read MoreIt was only a fender bender! It wasn’t “really” my fault... you’ll never believe what happened! …These are some of the things I hear from clients all the time… and I get it. It makes sense. You have car insurance in case you’re in an accident. Then the second you are in a small accident, it feels like the insurance companies use that as an excuse to jack up your rates…
Read MoreIf you crash into a Tesla, are you covered? What if you crash into and total a brand new luxury car? Or even just a nice new truck or SUV. So many vehicles on the road today are over $50,000 and even near $100,000 in value. Does your auto insurance “property damage” cover you? Or would the owners come after you with a lawsuit because you couldn’t cover it?
Read MoreWe all have contracts and memberships with commitments, right? This is why I love to hate my cable and internet company… the only way I can get the best rates is to commit to a 2 year contract with them. Insurance companies work a little different and you need to understand this…
Read MoreWe all have insurance so we can use it when we need it, right? So, you might be surprised to hear me give you this tip… There are times when I will highly encourage you to NOT use your auto insurance. Yes, really!
Read MoreA few years ago, my family and I went on vacation and I thought my car would be safe, because it was locked inside my garage. Think again! When we came home, I discovered that a huge storage shelf in my garage had fallen on top of my car, denting up the entire body of the car hood. So what coverage would this fall under? Comprehensive or Collision?
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